Fady Abdelmalek

WESLEY CHAPEL, FL ***** 813-***-**** ad3c21@r.postjobfree.com

EXPERIENCE

Credit Risk Portfolio Senior Analyst, 05/2020 till Present

Citigroup – Tampa, FL

Review the applicant request and documents.

Underwrite MSBF Regulation U loans in accordance with the Product Program which included a review of loan requests (non-purpose/purpose, single/multi draw loans), collateral evaluation, determining International Risk Ratings and Risk Acceptance Criteria for clients including the preparation of legal documentation.

Ensure compliance with applicable laws, Regulations (Reg B, Reg O, Reg W), Citi’s policies, Product Program and USRB MSBF Business Credit Policy and Procedure Manual (BCPPM) and knowledge of Global Consumer Credit and Fraud Risk Policies (GCCFRP) during the underwriting process.

Assist in Portfolio Management activities, including CA Annual reviews, CA exceptions, Obligor risk review and all related system maintenance.

Review the applicant KYC profile.

Filling the required information and loan information on internal applications with supporting documents.

Preparing the Legal loan documents and send it via DocuSign or paper to the client to sign it.

Review and approving the executed loan documentation to process the funding process.

Approving ECOA and preparing the ECOA letters, ensuring proper notification standards and disclosure rules were followed under ECOA/Regulation B.

Working on past due interest and sent collection letter to the client if needed.

Working on annual review to check if the client still qualified for the loan, the client KYC/CRF up to date and still his domicile country aligns to our target market.

Providing MCA to other annual reviews and projects to ensure all projects and annual review done correctly and in timely manner.

Citi Private Banking Compliance KYC intermediate Analyst, 11/2018 – 05/2020

Citigroup – Tampa, FL

Reviewed client data and information to determine any potential money laundering activities.

Conduct reviews of client account activity, statements, internet research, and client profile information

Conduct background checks/intelligence/customer research/transactional analysis

Conduct regulatory and sanction screenings as well as review domestic consumer cases and support complex periodic review processes

Manage KYC Workflow; assigning rush CRFs, Perform and review ID verification, manual LFG escrow, manual CS3 SDN transactions, Approved Third Party Institutions annual reviews, Significant Changes cases, Source of wealth corroboration among many other side projects

Escalate unusual activity to the Financial Intelligence Unit (FIU) and assist with escalating potential risks

Support periodic review triage processes

Present summarized findings to peers and management, including recommendations to changes in procedures resulting from review findings and quality assurance review of analyst case work

Onboard/train new associates, as needed

Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Report daily MIS to top business managers and ensure all profiles are reviewed within SLA

Anti-Money Laundering Analyst, - 01/2017 – 11/2018

Citigroup – Tampa, FL

•Reviewed client data and information to determine any potential money laundering activities

•Conducted further due diligence between the client and hit using internal and external systems (CitiSmart, OneSource, DWIM, etc.) to assess bank risk in accordance with procedures

•Escalated a possible risk to the Financial Investigations Unit or to Level 2 Compliance

•Performed Level 2 Compliance analysis in the case where a client was a credible risk to the bank

Project Specialist, 09/2016 - 01/2017

Meridian Asset Services, - St. Petersburgh, FL

•Worked with CAM to complete different tasks and check the legality of project documents

•Checked county requirements for eRecording and created POA when needed

•Utilized Simpifile to index assignments on every county’s requirements and resubmitted any rejections with the necessary fixes

Branch Manager, 03/2012 – 09/2016

Pita Pit- Tampa, FL

•Managed employee’s schedules, payroll, hiring, and W2 Forms

•Filed corporate tax returns, renewed the business license, documented inventories, handled customer’s complaints and ultimately produced net profits for the business

Foreign Purchasing Section Head, 11/2008 – 02/2012

Ghabbour Auto – Cairo, Egypt & Dubai, UAE

•Managed the spare parts purchases from vendors throughout the world at fair prices

•Conducted the SWIFT transfers, established insurance documentations, and checked invoices

•Arranged for the clearance of shipments, prepared transfer action plans, and handled the claims for any missing or damaged merchandise

Customer Service Representative, 08/2007- 11/2008

Mobinil – Cairo, Egypt

•Created and maintained healthy relationships with the clients while solving any customer issues

•Provided information for customer inquiries while facilitating client feedback to managers

SKILLS

Advance understanding of GAAP & Financial Statement analysis

Fluent in English, Arabic, and French

Proficient in Microsoft Office (Word, Excel, PowerPoint), Oracle, and Accounting Software

Detail oriented, analytical, organized, disciplined, and fast-paced

Effective verbal and written communication skills

EDUCATION

University of the District of Colombia – Washington D.C

Bachelor of Science in Business Administration (Major Accounting)

Modern Academy – Cairo, Egypt

Bachelor of Science in Business Administration: Focus on Accounting

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